Online Banking

CSB Updates

March 12, 2015

Community & Southern Bank Earns A+ Health and Stability Rating

Community & Southern Bank (CSB) was recently recognized by Deposit Accounts for maintaining the highest financial health rating possible for the seventh consecutive fiscal quarter. The analyst company released its financial health ratings for all federally-insured banks and credit unions with CSB scoring in the top 13 percent nationwide in terms of financial health.

Each fiscal quarter, Deposit Accounts evaluates the financial health of every federally insured bank in the United States. Each institution is graded on a number of factors, including capitalization, deposit growth, and loan to reserve ratios, in order to determine a comprehensive health rating.

"DepositAccounts.com is the largest and most comprehensive online resource in the U.S. dedicated to banking/savings deposits information for consumers," says Patrick Russo, head of community outreach for Deposit Accounts. "Community & Southern Bank's proven industry performance in operating epitomizes the strength we look for in our financial health rating system. We look forward to watching CSB continue strengthening its industry position."

February 25, 2015

NCR Corporation (NYSE: NCR), the global leader in consumer transaction technologies, recently partnered with Community & Southern Bank (CSB), to unveil a new digital banking experience with services and solutions from Digital Insight, an NCR company. CSB's new online and mobile banking experiences (myCSBonline) are tailored to meet and exceed the needs of its customers in the digital age.

MyCSBonline boasts a multitude of innovative financial solutions that organize and ultimately, simplify the banking experience for its customers. Features such as Mobile & Tablet App Banking and Remote Deposit Capture allow customers to manage their banking needs all from a smart device from anywhere in the world. And users can feel safe doing so with CSB's Strengthened Security Multi-Factor Authentication, which verifies device ID and password. Unique, robust features like FinanceWorks and Person to Person (P2P) payments allow users to simplify money management and send funds electronically via email address or cell phone numbers.

"At CSB, we are always looking for new ways to improve and to build upon our ability to deliver superior customer services," says Mark Abernathy, President of CSB. "The development of myCSBonline highlights our commitment to cater to the needs of our customers and a commitment to continue to evolve as one of the premier financial institutions in the Southeast."

Digital Insight enjoys a 4.7 star rating on the Apple App Store and, according to an independent industry expert, nine of the top 10-rated banking apps are powered by Digital Insight.

January 30, 2015

Community & Southern Holdings, Inc. Announces Agreement to Acquire Community Business Bank

ATLANTA (Jan. 30, 2015) – Community & Southern Holdings, Inc. ("C&S Holdings") announced today that it has entered into a definitive agreement and plan of merger to acquire Community Business Bank ("CBB"). CBB was organized on January 22, 2008 and has two banking locations along the Georgia 400 corridor in Cumming, Ga.

"We are pleased to announce the acquisition of Community Business Bank," said Pat Frawley, Chief Executive Officer of C&S Holdings and its wholly-owned subsidiary, Community & Southern Bank ("CSB"). "This acquisition will significantly expand our presence in Forsyth County and position Community & Southern Bank for future growth in one of the fastest growing markets in Georgia. We are excited about the leadership, experience and market knowledge that Carter Barrett and his team bring to Community & Southern. Carter and the entire CBB team share our commitment to serving our clients and our communities and we are excited to welcome them to the Community & Southern family. As we celebrate our bank's fifth anniversary this week, I can't think of a better way to commemorate this achievement than through a merger with Community Business Bank."

J. Carter Barrett, President & Chief Executive Officer of Community Business Bank, stated, "This partnership is the culmination of many years of dedicated focus and commitment to serve the financial needs of local businesses in the Georgia 400 Corridor. Our primary objective has always been to help our clients prosper and this partnership will aid in fulfilling that objective. Our clients, team members and the businesses we serve will all benefit from being part of one of the strongest and most well capitalized financial institutions in Georgia. CBB customers can continue to expect the same quality of friendly customer service they have enjoyed since we began this journey back in 2008."

Completion of the transaction is subject to certain closing conditions, including customary regulatory approvals and the approval by CBB shareholders.

CBB was advised by the investment banking firm of Banks Street Partners, LLC and the law firm of Womble Carlyle Sandridge & Rice, LLP. C&S Holdings was advised by the investment banking firm of Sandler O'Neill & Partners, L.P. and represented by the law firm of Alston & Bird, LLP.

About Community & Southern Bank

Community & Southern Bank (CSB) is one of Georgia's most well capitalized banks. CSB operates 41 branches in Metro Atlanta and across Georgia's northern, eastern and western counties and has more than $3.4 billion in assets. CSB's core purpose is "to passionately invest in our team members, our clients and our communities every day."

January 30, 2015

5 Years of Financial Success Serving Georgia Communities

Founded January. 29, 2010, CSB continues to successfully expand its outreach and assets

ATLANTA (Jan. 30, 2015) – Community & Southern Bank (CSB) – one of Georgia's most well capitalized banks operating more than 40 branches in metro Atlanta and across Georgia's northern, eastern and western counties – celebrated its fifth anniversary on Thursday, January 29, 2015. Since its inception in 2010, CSB has grown its assets to more than $3.4 billion, and has successfully completed 12 acquisitions, including both failed and healthy banks.

"The banking industry has seen new progress and stabilization over the past few years and we are honored to be a part of this forward momentum," says Pat Frawley, CSB's Founder and Chief Executive Officer. "It is a true testament to our team, our business plan and our commitment to serving our communities that we have flourished to become the second largest community bank headquartered in Georgia."

Frawley continued with, "We have tried to be a part of the solution of helping the Georgia banking community recover and heal from the terrible economic downturn of the past seven years. Our mission has been to build a highly valuable and well-run banking franchise and to become the financial institution of choice in our markets by exceeding expectations of our clients and our communities."

Since the bank's inception, CSB has helped stabilize markets, generated $3.0 billion in new loans, and now employs more than 600 individuals. In addition, CSB supports worthwhile causes in its markets through the CSB Charitable Foundation, with an emphasis on programs related to children and the military.

As CSB looks to the future, through a combination of strong organic growth and strategic partnerships, it will continue to operate in a diversified, risk averse manner and continue with its core purpose of passionately investing in its team members, its clients, and communities every day. Offering sound financial solutions combined with the utmost integrity and exceptional banking expertise will remain as the foundation upon which CSB was formed.

August 20, 2014

ATLANTA (August 20, 2014) – Community & Southern Holdings, Inc. (C&S Holdings) announced today, just 94 days after the merger announcement on May 16, 2014, the completion of its acquisition of Alliance Bancshares, Inc. (Alliance) and its wholly owned subsidiary, Alliance National Bank.

Prior to the merger, Alliance National Bank reported approximately $157 million of total assets, $92 million of loans and $130 million of deposits and operated two banking offices in Dalton and Cumming, Georgia. C&S Holdings transacted the merger at $13.60 per share in cash for all outstanding shares of Alliance. The agreement was unanimously approved by the Boards of Directors of both companies in May and by the shareholders of Alliance on August 6th.

"We are very pleased to announce the completion of the Alliance acquisition," said Pat Frawley, Chief Executive Officer of C&S Holdings and its wholly-owned subsidiary, Community & Southern Bank (CSB). "This acquisition has positioned CSB as the largest community bank in Dalton and helps us expand our presence in Forsyth County, one of Georgia's fastest growing markets. We are impressed with the Alliance team members and the overall quality of Alliance National Bank; our partnership creates many facets of opportunity. Upon completion of the operational integration in the near future, the customers of Alliance will be able to use any of our locations across Georgia."

"We are delighted to welcome the customers and employees of Alliance to Community & Southern Bank. We look forward to working with the entire Alliance team as we continue to build deep customer relationships in these markets, said Mark Abernathy, President of Community & Southern Bank.

Alliance was advised by the investment banking firm The Burke Group and represented by the law firm of Stewart, Melvin & Frost. C&S Holdings was advised by the investment banking firm of Sterne, Agee & Leach, Inc. and represented by the law firm of Alston & Bird, LLP.

July 18, 2014

Today Community & Southern Bank (CSB) announced its acquisition of Eastside Commercial Bank (Eastside), headquartered in Conyers, Georgia from the FDIC. This marks CSB's eleventh acquisition since its inception in January 2010. As of March 31, 2014, Eastside reported total assets of approximately $169 million and total deposits of approximately $162 million. In addition to assuming all of the deposits of Eastside, CSB agreed to purchase approximately $51 million of performing loans from the FDIC.

The two branches of Eastside, which are located in Conyers and Duluth, Georgia, will open Monday as branches of CSB. Over the next few months, as the Eastside systems are integrated into CSB's, clients should continue to use their existing branches, checks, ATMs, debit cards and online banking services. If clients have any questions regarding their accounts involved in this transaction, they should contact their local branch.

"We are very pleased to announce our acquisition of Eastside Commercial Bank, further enhancing our presence around Metro Atlanta," said Mark Abernathy, President of CSB. "We are fortunate to have this opportunity to serve the people of Conyers and Duluth and we look forward to welcoming our new clients and new team members into the CSB community."

For more information, please contact CSB at 1.800.901.8075 or visit www.myCSBonline.com.

About Community & Southern Bank

Community & Southern Bank (CSB) is one of Georgia's most well capitalized banks. CSB operates 40 branches in Metro Atlanta and across Georgia's northern, eastern and western counties and has more than $3.1 billion in assets. CSB is committed to passionately investing in our team members, our clients and our communities every day. To learn more about Community & Southern Bank, visit www.mycsbonline.com.

May 16, 2014

Community & Southern Holdings, Inc. ("C&S Holdings") announced today that it has entered into a definitive agreement and plan of merger to acquire Alliance Bancshares, Inc. ("Alliance") and its wholly owned subsidiary, Alliance National Bank.

Alliance National Bank operates two banking offices in Dalton and Cumming, Georgia. At March 31, 2014, Alliance National Bank had approximately $157 million of total assets, $92 million of loans and $130 million of deposits.

"We are very pleased to announce the acquisition of Alliance National Bank," said Pat Frawley, Chief Executive Officer of C&S Holdings and its wholly-owned subsidiary, Community & Southern Bank ("CSB"). "This acquisition will position Community & Southern as the largest community bank in Dalton, a market that has proven its resilience following the downturn in the economy and the housing and flooring industries in particular. We are also excited to expand our presence in Forsyth County, one of Georgia's fastest growing markets. Alliance shares our commitment to serving our clients and our communities and we are excited to welcome them to the Community & Southern family. Jack Turner built a fine bank and we are honored to carry on his legacy of civic involvement and community service."

Andrew K. Walker, Sr., Chief Executive Officer of Alliance, stated, "We are very pleased to be joining the C&S team. This transaction is the culmination of many months of hard work and I am certain that my father-in-law would have been pleased to see it consummated. Our customers, employees and the communities we serve will all benefit from being part of Community & Southern Bank. Customers of Alliance National Bank can expect local decision making and the same quality of friendly customer service they have long enjoyed."

C&S Holdings has agreed to pay $13.60 per share in cash for all outstanding shares of Alliance. The agreement was unanimously approved by the Boards of Directors of both companies and is expected to close no later than the third quarter of 2014. Completion of the transaction is subject to certain closing conditions, including customary regulatory approvals and the approval by Alliance shareholders.

Alliance was advised by the investment banking firm The Burke Group and represented by the law firm of Stewart, Melvin & Frost. C&S Holdings was advised by the investment banking firm of Sterne, Agee & Leach, Inc. and represented by the law firm of Alston & Bird, LLP.

About Community & Southern Bank

Founded in January 2010, Community & Southern Bank (CSB) is an innovative, community bank offering an array of products and services for a diverse banking audience. CSB currently operates 38 banking offices in metropolitan Atlanta and across Georgia's northern, eastern and western counties and is a well-capitalized financial institution with more than $3.0 billion in assets. Our purpose is to passionately invest in our team members, our clients and our communities every day.

April 14, 2014

ATLANTA (April 16, 2014) – Community & Southern Holdings, Inc., the holding company of Community & Southern Bank (CSB), announced the completion of its acquisition of Verity Capital Group, Inc., the holding company of Verity Bank, after receiving all shareholder and regulatory approvals. With the addition of the two Verity Bank branches in Winder and Cornelia, Georgia, CSB's footprint will expand to 40 branches across metro Atlanta and North Georgia.

"The completion of the acquisition of Verity marks an important milestone in our bank's history as we complete our first open-bank acquisition. We are very pleased with the quality of the people and the bank we have combined with," said Pat Frawley, Chief Executive Ofﬁcer of CSB. "Upon completion of the operational integration in the near future, the customers of Verity Bank will be able to use any of our locations across North Georgia."

"It was very important to partner with a ﬁnancially strong organization that shared our community banking values," said John Lewis, Chief Executive Ofﬁcer of Verity Bank. "Community & Southern has proven to be an excellent match. Their commitment to our customers and the markets we serve was apparent from the beginning."

Mark Abernathy, President of Community & Southern Bank, said, "We are delighted to welcome the customers and employees of Verity Bank to Community & Southern Bank. We look forward to working with Steven Smith and Bronson Lavender, two highly respected community bank leaders, and the entire Verity Bank team as we continue to build deep customer relationships in these markets."

Community & Southern Bank (CSB) is one of Georgia's most well capitalized banks. CSB operates 40 branches in Metro Atlanta and across Georgia's northern, eastern and western counties and has more than $2.9 billion in assets. CSB's core purpose is "to passionately invest in our team members, our clients and our communities every day."

September 4, 2013

ATLANTA (September 4, 2013) – Community & Southern Holdings, Inc. ("C&S Holdings") announced today that it has entered into a definitive agreement and plan of merger with Verity Capital Group, Inc. ("VCG"). According to the terms of the Agreement, C&S Holdings will acquire all of the outstanding common stock of VCG for $11.80 per share.

VCG operates two banking offices through its wholly-owned banking subsidiary, Verity Bank, in Winder and Cornelia, Georgia. At June 30, 2013, Verity Bank had approximately $170 million of total assets, $114 million of loans and $144 million of deposits.

"We are very excited to announce our partnership with Verity Bank," said Pat Frawley, Chief Executive Officer of C&S Holdings and its wholly-owned subsidiary, Community & Southern Bank ("CSB"). "Verity's commitment to customers and the communities we serve, as well as a commitment to strong financial performance and credit quality, represents community banking at its finest."

John L. Lewis, Chief Executive Officer of VCG, stated, "We are extremely excited to be joining the Community & Southern team. It was of great importance to us to find a partner with strong values, a commitment to community banking, and outstanding financial strength. Our customers, employees and the communities we serve will all benefit from this transaction."

Mark Abernathy, President of CSB stated "Verity Bank has an excellent reputation throughout Barrow County, Habersham County and the other markets it serves. We are pleased to announce that, following the closing of the transaction, Steven F. Smith, President of Verity Bank, will serve as the Regional Bank President of our East Region. Smith confirms, "This partnership with Community & Southern will enhance our ability to fortify what Verity has been committed to building in Winder and Cornelia. Customers of Verity Bank can continue to expect local decision making and the same quality of friendly customer service they have long enjoyed." Additionally, Bronson Lavender will serve as Regional Sales and Service Executive for the East Region, continuing a strong leadership team tradition in the Verity Bank markets.

Upon the closing of the transaction, Verity Bank will merge into CSB. Completion of the transaction is subject to certain closing conditions, including customary regulatory approvals and the approval of the shareholders of VCG. The transaction is expected to close during the fourth quarter of 2013 with a system conversion for Verity customers occurring in January of 2014.

VCG was advised by the investment banking firm of Sandler O'Neill + Partners L.P. and the law firm of Bryan Cave, LLP. C&S Holdings was advised by the investment banking firm of FIG Partners, LLP and represented by the law firm of Alston & Bird, LLP.

About Community & Southern Bank

Founded in January 2010, Community & Southern Bank (CSB) is an innovative, community bank offering an array of products and services for a diverse banking audience. CSB currently operates 34 banking offices in metropolitan Atlanta and across Georgia's northern, eastern and western counties and is a well-capitalized financial institution with more than $2.6 billion in assets. Our purpose is to passionately invest in our team members, our clients and our communities every day.

Media Contact:

Jeff Whittington

678-293-1306

Jeff.Whittington@myCSBonline.com

August 19, 2013

Community & Southern Bank Announces Acquisition of Four Bank Offices from Essex Bank

ATLANTA (August 19, 2013) – Today Community & Southern Bank (CSB) announced it has entered into a Purchase and Assumption Agreement with Essex Bank to purchase Essex Bank's Georgia banking franchise, which is comprised of four branches located in Loganville, Snellville, Grayson and Covington, Georgia. Pursuant to the terms of the Purchase and Assumption Agreement, CSB will acquire approximately $192 million in deposits and no loans. The transaction is expected to close in the fourth quarter of 2013, subject to regulatory approval.

"We are very pleased to welcome these new clients to CSB and, in conjunction with Essex Bank, to provide them uninterrupted banking service," said Pat Frawley, Chief Executive Officer of CSB. "CSB shares a common commitment to customer service with Essex Bank and we look forward to serving our new clients and communities. Our vision is to become the financial institution of choice in our markets by exceeding the expectations of our clients and our communities."

Each of the acquired branches will become CSB branches upon closing the transaction. According to Frawley, "We are proud to have the opportunity to serve our new clients and our new markets. We believe in the advantages of community banking and we appreciate the strong ties this franchise has to the community. We look forward to working with the employees of Essex Bank as we continue to serve the needs of our clients and communities. We will work our hardest to make the transition for our new clients as smooth as possible."

About Community & Southern Bank

Founded in January 2010, Community & Southern Bank (CSB) is an innovative, community bank offering an array of products and services for a diverse banking audience. CSB currently operates 34 banking offices in metropolitan Atlanta and across Georgia's northern, eastern and western counties and is a well-capitalized financial institution with more than $2.6 billion in assets. Our purpose is to passionately invest in our team members, our clients and our communities every day.

Media Contact:

Lawanna Saxon

678-293-1313

Lawanna.Saxon@myCSBonline.com

January 1, 2013

FDIC Insurance Notice

Notice of Expiration of Temporary Full FDIC Insurance Coverage for noninterest-bearing Transaction Accounts

By operation of federal law, beginning Jan. 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning Jan. 1, 2013, all of a depositor's accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

Important Information for CSB Customers

FDIC insurance covers all deposit accounts, including checking and savings accounts, money market deposit accounts and certificates of deposit. FDIC insurance does not cover other financial products and services that banks may offer, such as stocks, bonds, mutual fund shares, life insurance policies, annuities or securities.

The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership category. The FDIC provides separate coverage for deposits held in different account ownership categories. Depositors may qualify for more coverage if they have funds in different ownership categories and all FDIC requirements are met.

October 30, 2012

COMMUNITY & SOUTHERN BANK DEPLOYS MOBILE BANKING APP

ATLANTA (Oct. 30, 2012) – Community & Southern Bank (CSB) is joining an elite group of banks to offer mobile deposits with the introduction of its new mobile app – currently available for iPhones, Droids, Blackberry phones and tablets.

"As a financial institution that provides products and services to meet evolving customer needs, this app and its valuable features enhance instant usability and keep our growing client base in touch with the latest in mobile banking technology," says Jeff Whittington, chief banking officer for CSB.

In addition to mobile deposit, the CSB app allows users to view and search account history; transfer funds between accounts; pay bills; and access branch locations, as well as driving directions.

To enhance consumer knowledge and ensure customers understand how to navigate the available application, CSB will begin an in-branch promotion on Monday, Nov. 5. The promotion allows customers to register for a free iPhone in multiple branch locations, with winners being awarded by Dec. 31, 2012.

According to Pew Research, 32 percent of Americans have used a conventional mobile phone or smartphone to access the Internet, and nearly 58 million Americans access the web via mobile devices every day. Analysts predict that cell phone internet browsing will surpass computer browsing before 2015.

For more information on Community & Southern Bank's mobile application or to inquire about additional products and services, please visit myCSBonline.com or call the Customer Care Center at 801.901.8075.

July 20, 2012

SPECIAL ANNOUCEMENT: BANK ACQUISITIONS

Dear Valued CSB Customer,

As Chief Executive Officer of Community & Southern Bank ("CSB"), I am pleased to inform you of CSB's recent acquisition of First Cherokee State Bank in Woodstock, Georgia and Georgia Trust Bank in Buford, Georgia from the FDIC on July 20, 2012.

We are very excited to enter these markets as we continue to build our franchise and provide you with new and enhanced products, excellent customer service, and community support.

Thank you for your business and for the privilege of your continued trust as we move forward.

Sincerely,

Pat Frawley

Chief Executive Officer

May 10, 2012

SPECIAL SECURITY ALERT: DEBIT CARD FRAUD

CSB has become aware of an active debit card fraud event impacting a small group of customers. For your protection, signature-based transactions will be disabled from May 10th to May 12th in certain areas.

You will still be able to use your debit card for transactions requiring your PIN. If you have any questions or issues, please call us at 800.901.8075

March 9, 2012

SPECIAL SECURITY ALERT: DEBIT CARD FRAUD

CSB has become aware of an active debit card fraud event impacting a small group of customers. For your protection, signature-based transactions will be disabled from March 9th to March 11th in certain areas.

You will still be able to use your debit card for transactions requiring your PIN. If you have any questions or issues, please call us at 800.901.8075

October 1, 2011

SPECIAL SECURITY ALERT: ACH PAYMENT EMAIL SCAM

If you have received an e-mail about your ACH payment claiming to be from FDIC/NACHA, do not click on any links or open any attachments as there may be viruses attached.

Please notify CSB at 800.901.8075 as you might be receiving notifications from a phishing scam. See also: www.fdic.gov/news

February 1, 2011

SPECIAL SECURITY ALERT: DEBIT CARD FRAUD MONITORING

Community & Southern Bank has added a new fraud monitoring service to our debit card program. This system will monitor transactions on customers' cards 24 hours a day, seven days a week. This added layer of fraud protection is the latest effort to protect our card base from debit card fraud.

You may receive a call from the fraud monitoring center. Always use caution when sharing your personal information over the phone. The fraud center will not ask for more than the last four digits of your card number and Social Security number. If you are not sure if the call is valid, do not share your personal information. If you do not wish to respond to the fraud center call, your card will be deactivated until the transactions in question can be verified. You may call the bank to verify transactions during regular banking hours at 800.901.8075.

January 1, 2011

All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to and separate from, the coverage of at least $250,000.00 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts or money market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

For more information about FDIC insurance coverage of transaction accounts, visit www.fdic.gov.